Cheapest Insurance Quotes for a Honda Pilot in Alaska

Our editors always tell us that when writing about car insurance, the words “affordable” or “cheap” should not appear anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap auto insurance for a Honda Pilot does not exist. But fear not, because there may be ways you can quote auto insurance that doesn’t break your budget.

Your chances of buying cheap insurance for a Honda Pilot in Alaska depends upon things such as whether you are married or single, whether or not you have filed claims in the past, and violations on your driving record. Drivers on average pay approximately $720 per year to insure a Pilot, but that policy rate is a projection based on rate data for a 40-year-old single male driver who needs full coverage and $1,000 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not exactly 40 years old and possibly not even male, possibly married instead of single, and maybe you want different deductibles. Changing even a minor factor in the factors used in pricing a policy can make a large difference in the price of coverage.

Each driver’s needs are different, and that demonstrates why the best way to quote affordable rates for your Honda is to take your time and compare rates from as many companies as possible.

Cheapest Honda Pilot Insurance Rates

Vehicle trim level impacts the cost of coverage, so the rate you will pay to insure a Pilot LX 2WD model will be $62 lower than the cost to insure the more costly Pilot Touring 4WD model, as shown in the table below.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in your specific Alaska location which can decrease or increase coverage rates noticeably.

Deciphering which company offers the cheapest auto insurance rates for a Honda Pilot will involve a little more sweat than just quoting one company’s rates.

Each company has their own formula for setting rates, so let’s take a look at the overall cheapest auto insurance companies in Alaska. It’s important to understand that Alaska auto insurance rates are based on many factors that will increase or decrease the policy premium. Simply having another birthday, buying a different vehicle, or getting a ticket for careless driving can trigger rate changes that can make some companies more affordable than the competition.

Cheap Insurance Rates for Your Pilot

Start Your Free Quote

Umialik may have some of the cheapest car insurance rates in Alaska at around $892 each year. USAA, State Farm, Progressive, and GEICO would also be considered some of the cheapest Alaska car insurance companies.

As shown in the table above, if you are insured with USAA and switched to Umialik, you might achieve an annual premium reduction of roughly $37. Customers with State Farm could save as much as $103 a year, and Progressive insureds might cut rates by $318 a year.

If you want to find out if you’re overpaying, click here to begin a quote or quote prices from the following companies.

Remember that these prices are averages for all insureds and vehicles and and are not calculated with a specific rate factor for a Honda Pilot. So the auto insurance company that is best for you may not even be in the rate chart shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Bad driving habits will cost you more

In a perfect world, the best way to receive good auto insurance premiums for a Pilot is to be a cautious driver and avoid traffic citations and accidents. The example below illustrates how speeding tickets and at-fault claims drive up insurance premiums for different categories of driver ages. The information is based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2915,3133,3733],[‘Age 30’, 1543,1759,2359],[‘Age 40’, 1515,1729,2333],[‘Age 50’, 1377,1595,2195],[‘Age 60’, 1333,1549,2149],[‘Age 70’, 1617,1831,2431]]);var options = {title: ‘Effect of Citations and Accidents on Alaska Honda Pilot Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Pilot in Alaska’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of an auto insurance policy in Alaska per year with no accidents and a clean driving record is $1,717. Get written up for one speeding ticket and the average cost rises to $1,933, an increase of $216 each year. Now include one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Honda Pilot jumps again to an average of $2,533. That’s an increase of $817, or $68 per month, just for not being a responsible driver!

Geico, Allstate, State Farm, and Progressive compared

When shopping for insurance for a Pilot in Alaska, four companies to definitely compare rates with are Geico, Allstate, State Farm, and Progressive. Each company has somewhat different options that may influence your choice. The following table compares and contrasts some of the different options you can expect with each one.

Find the cheapest insurance for a Honda Pilot in Alaska

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help Alaska drivers buy low-cost auto insurance.

• Buy your homeowners policy from the same company as your auto insurance
• Higher physical damage deductibles lower rates
• Pay cheaper rates with good credit scores
• Being accident-free can lower rates significantly
• If possible, do not file small claims
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Shop around for cheaper rates regularly

The last tip is extremely important, as we stressed in the prior article. Auto insurance prices in Alaska adjust frequently, so don’t hesitate to change to a new company if a better rate can be found. Having brand loyalty is commendable, but is isn’t recommended if that inflexibility results in costing you a small fortune year after year. It only takes a couple minutes to compare prices and find cheaper insurance for a Honda Pilot.

Who has the cheapest Honda Pilot insurance quotes?

Drivers have a lot of different ways to find lower-cost auto insurance in Alaska, but the most preferred are through an exclusive insurance agent such as Liberty Mutual or State Farm, an independent insurance agent, or buying direct from a company like Geico or Progressive. All three ways are similar, but auto insurance shoppers should know the differences in how they price policies.

Independent insurance agents work for many companies and can get policy pricing from every one. Agents of this type are able to give you a larger rate selection, which can give you a better comparison. If they find a cheaper price, your policy can be moved and you won’t have to switch agencies.

An exclusive ageny is only able to quote your policy with a single insurance company like an Allstate or Liberty Mutual agent. These agents normally cannot provide multiple price quotes, so if finding the cheapest coverage is your goal, you will need to shop around.

Buying direct means you bypass a local agent and instead shop from a direct company like Esurance. Buying direct can be a good choice for families who do not need high levels of coverage and have some degree of understanding of how auto insurance works.

So which of the methods works best to find the cheapest insurance for a Honda Pilot in Alaska? It would be premature to say buying from a direct company saves the most money because you bypass the middleman, but that generally is not the case. We could also assume that buying from an independent agent is the best way to go because you have more choices, but that is not accurate either. And occasionally, the exclusive agents may have prices that independents and direct companies can’t touch.

Because there is so much variation in auto insurance prices, the only real way to buy the cheapest coverage is to compare lots of quotes. Money-saving experts recommend you get price quotes from all three in order to have enough rates to compare. For a list of auto insurance companies with low rates, click here to view.